What are the key cashback benefits of the Paytm SBI Card?

The Paytm SBI Card offers 3% cashback on Paytm Mall, movies, and travel, 2% on other Paytm app purchases, and 1% on all other spends.

How much is the joining fee for the Paytm SBI Card?

The Paytm SBI Card has a joining fee of Rs. 499 + GST, with a similar renewal fee annually.

Does the Paytm SBI Card offer complimentary lounge access?

No, the Paytm SBI Card does not explicitly mention complimentary domestic or international lounge access.

What is the welcome benefit for new Paytm SBI Cardholders?

New Paytm SBI Cardholders receive a complimentary Paytm First Membership upon card activation after their first retail transaction.

Are there any exclusions for earning cashback on the Paytm SBI Card?

Yes, cashback is not applicable on wallet loads, fuel, rent payments, and government-related transactions with the Paytm SBI Card.

Can I get a waiver on the annual fee for my Paytm SBI Card?

You can get a complimentary Paytm First Membership at renewal by achieving annual retail spends of Rs. 1,00,000 with your Paytm SBI Card.

What is the foreign currency markup on the Paytm SBI Card?

The Paytm SBI Card has a foreign currency markup of 3.5% on the transacted amount for international spends.

Does the Paytm SBI Card provide any insurance coverage?

Yes, the Paytm SBI Card offers complimentary Cyber Fraud Insurance up to Rs. 1,00,000 against fraudulent usage.

How does the Paytm SBI Card help with utility bill payments?

The Paytm SBI Card allows easy payment of electricity, telephone, mobile, and other utility bills using the Easy Bill Pay facility.

What happens to cashback on the Paytm SBI Card from July 1, 2024?

Effective July 1, 2024, the cashback earned on the Paytm SBI Card will be replaced with Reward points of equivalent value, where 1 Reward Point = Re 1.

State Bank of India

Paytm SBI Credit Card

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Last updated: 26 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Complimentary Paytm First Membership valued at Rs. 899 upon card activation after first retail transaction.

Rewards Rate

Up to 3% cashback on Paytm Mall, movies & travel; 2% on other Paytm app spends; 1% on other spends.

Reward Type

Cashback

Reward Redemption

Reward points can be redeemed against Paytm Gift voucher balance; 1 Reward Point = Re 1 from July 1, 2024.

Domestic Lounge Access

Not Applicable

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Complimentary Cyber Fraud Insurance cover up to Rs. 1,00,000 against fraudulent card usage.

Movie

Earn 3% cashback on all Paytm movie purchases made through the Paytm App.

Dining

Not Applicable

Travel Benefits

Get 3% cashback on all Paytm Travel purchases made through the Paytm App.

What matters, explained clearly

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Frequently Asked Questions

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